so if i am that acme insurance company and find myself with a really high burden of folks with diabetes or heart problems that are going to raise my cost, i can theoretically tap some of the pool of money, i believe it is $12 million in the first year. that will be used -- i might recording and under -- and my record an underwriting loss of that happened or tap the $63 pool and will ease my finances. as libby points out, that it's phased out and only a temporary measure as we start to see where the new types of patients will end up. host: you really think it will get phased out? guest: i do. it is a legitimate question about a lot of these revenues in taxes, but one of the wild cards about the affordable care act is these new population, 30 million americans, these are folks who do not have insurance now, and by definition they are sort of a black box for the insurance company. insurance companies are very good at underwriting risks for people they already have as members, people who are not members it will be a big question mark. the insurance companies are a little worried about that.